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Analisis Urutan Kekuatan Hukum dalam Asuransi Syariah: Implementasi Subrogasi, Restorno, Endosemen, dan Klasula di Indonesia Resti Nuraeni; Amar Nur Fadhil; Muhammad Hasbi Ashiddiq; Joni
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 3 No. 2 (2025): November
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v3i2.6082

Abstract

Asuransi syariah di Indonesia berkembang dengan mengedepankan prinsip taʿawun, tabarru’, keadilan, dan bebas dari riba, gharar, serta maysir. Penelitian ini bertujuan untuk menganalisis hierarki kekuatan hukum dalam asuransi syariah, yang mencakup KUHD, polis, endosemen, dan klausula, serta implementasinya dalam praktik industri, khususnya dalam penyelesaian klaim dan sengketa. Metode penelitian yang digunakan adalah studi kepustakaan dengan pendekatan kualitatif deskriptif-analitis. Hasil penelitian menunjukkan bahwa KUHD tetap menjadi dasar hukum utama, sementara polis berfungsi sebagai kontrak tertulis yang mengikat, endosemen memungkinkan perubahan atau penyesuaian kontrak, dan klausula memberikan batasan serta rincian tambahan. Hierarki hukum ini memiliki implikasi penting terhadap pelaksanaan subrogasi, restorno, serta mekanisme klaim dan penyelesaian sengketa. Meski demikian, tantangan masih muncul terkait keterbatasan pemahaman peserta dan kurangnya transparansi klausula. Oleh karena itu, diperlukan sinergi antara regulasi negara, fatwa DSN-MUI, serta praktik industri untuk memperkuat kepastian hukum dan menjaga prinsip syariah dalam asuransi syariah.
Utilization of Information Technology-Based Learning Media to Support Active Learning Activities at State High School 2 Husni Thamrin Erwin; Joni; Chandra, Wenripin
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 1 (2022): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1311.588 KB) | DOI: 10.32734/abdimastalenta.v7i1.6783

Abstract

In general, high school students view mathematics as a difficult and boring subject. In addition to students, teachers also have difficulty in conveying material for the introduction of majors for lectures. The lack of student interest in learning mathematics is a problem for every high school teacher. This happens if the teacher's ability to use conventional learning methods such as from textbooks and explanations from the teacher only. Therefore, it is necessary to strive in the process of learning mathematics to be more interesting, more interactive and fun. This issue also applies to science materials that require understanding. For this reason, teaching aids are needed that are used to stimulate students' responsiveness in studying material according to their scientific competence. This service aims to apply knowledge and technology by conducting training in making and tutorials on mathematics learning media so that it can increase understanding and attract students' interest in learning and help improve the quality of teacher education and teaching at Husni Thamrin High School.
Web-Based Student Score Application Design at Husni Thamrin Private Junior High School, Medan Erwin; Joni; Chandra, Wenripin; Robin; Napitupulu, Normalina
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 8 No. 1 (2023): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/abdimastalenta.v8i1.11214

Abstract

Value data processing is one of the most important parts of school operations and activities. Husni Thamrin Medan Private Middle School, one of the schools that organizes an educational process based on the 2013 Curriculum, manages value data through manual and separate input by each teacher. It is hoped that through the development of a web application-based value management system, value data processing can be carried out more easily and integratedly. To implement the use of this application, training is needed for teachers so they can get to know the features and how to use the application.
Peri Mestike Mempertahan Bahasa dan Budaya Gayo Joni
Journal Scientific of Mandalika (JSM) e-ISSN 2745-5955 | p-ISSN 2809-0543 Vol. 6 No. 3 (2025)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/10.36312/vol6iss3pp502-506

Abstract

The Gayo language is one of the regional languages rich in meaning and cultural values. The Gayo language has two varieties of modes: the ordinary spoken Gayo language used by the current generation and the Gayo customary language known as PM (Peri Mestike). The PM language contains profound meanings and features modes of speech, namely metaphorical and indirect, or can be referred to as indirect and non-literal speech. The preservation of the Gayo language through customary language, especially in the practice of peri mestike, is important for maintaining the cultural identity of the Gayo community. This study discusses how the customary language (PM) functions as a medium for preserving the Gayo language and the cultural values contained within it.
ANALISIS PERBUATAN YANG DAPAT DIKENAKAN SINGER MENURUT HUKUM ADAT KALIMANTAN TENGAH DALAM PERSPEKTIF HUKUM PERDATA Putri, Yoke Shintia; Joni; Tasrifinoor
The Juris Vol. 8 No. 2 (2024): JURNAL ILMU HUKUM : THE JURIS
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat STIH Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/juris.v8i2.1426

Abstract

The customary law still in effect in Central Kalimantan, particularly among the Dayak Ngaju tribe, serves as a means of social control and governance. This study employs normative legal research methods and qualitative research types with a statutory approach. In Dayak Ngaju customary law, "Singer" refers to a sanction in the form of a fine. Established in 1984 during the great Tumbang Anoi meeting, the Singer was intended to put an end to hostile traditions between Dayak sub-tribes, such as headhunting and slavery. The fine acts as a form of atonement to avoid divine retribution and the wrath of nature's guardians. The primary objective of Singer is to deter individuals, making them aware of their wrongdoing and preventing recurrence. Offenses subject to customary sanctions include environmental destruction, violations of social norms, criminal acts, infringements on customary rights, and disobedience to customary law. Customary fines may consist of goods, animals, or money, often accompanied by rituals to restore communal balance. For legal certainty, the regulation of the execution of Dayak customary court decisions should be codified into clear written law, specifying the authorities responsible for enforcement and penalties for those who fail to pay the Singer.
PENGGUNAAN MEDIA PUZZLE UNTUK MENINGKATKAN KEMAMPUAN KERJA SAMA SISWA PADA PELAJARAN IPAS DI SEKOLAH DASAR Sarniati; Yanti Yandri Kusuma; Yusnira; Joni; Rizki Ananda
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 10 No. 3 (2025): Volume 10 No3 September, 2025
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v10i3.31215

Abstract

This study aims to determine the effectiveness of puzzle media in improving students' cooperation skills on the topic of How to Get All Our Needs in science learning in grade IV of SDN 043 Batu Gajah. The background of this study is the low ability of students to cooperate in group activities, such as the absence of active participation, responsibility, and being given appreciation for friends' opinions during the discussion process. This study is a Classroom Action Research (CAR) which was carried out in two cycles, each consisting of two meetings. The research subjects consisted of 1 teacher and 20 students, with details of 8 males and 12 females. The objects in this study were puzzle media and students' cooperation skills. Data collection techniques were carried out through observation and documentation, while data analysis techniques were carried out descriptively qualitatively and quantitatively. The results of the study showed an increase in students' cooperation skills, from the initial condition of 39.25% (very poor category), increasing to 58.25% at the end of cycle I (sufficient category), and increasing again to 87% at the end of cycle II (very good category). The conclusion of this study is that puzzle media is proven to be effective in significantly improving students' cooperation skills in science learning. Keywords: Puzzle Media and Collaboration Skills
Inventarisasi Kantong Semar (Nepenthaceae) di Hutan Lindung Danau Selogan Kabupaten Kapuas Hulu Kalimantan Barat Syamswisna; Joni
Poltanesa Vol 23 No 1 (2022): Juni 2022
Publisher : P3KM Politeknik Pertanian Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51967/tanesa.v23i1.945

Abstract

Kantong Semar (Nepenthaceae) merupakan tumbuhan yang dilindungi dan keberadaan di habitat alaminya semakin terancam , akibat kebakaran hutan, pengalihan fungsi hutan jadi lahan pertanian, dan eksploitasi spesies tertentu. Tumbuhan ini bermanfaat sebagai tanaman hias, untuk obat, sebagai bahan pembungkus makanan dan sebagai tali pengikat. Tujuan dari penelitian ini adalah untuk mendeskripsikan karakter morfologi dan mengidentifikasi dari spesies Nepenthaceae yang ada di hutan lindung Danau Selogan kabupaten Kapuas Hulu Kalimantan Barat. Metode Penelitian yang digunakan yaitu metode deskriptif. Hasil penelitian dapat mendeskripsikan karakter morfologi dan mengidentifikasi enam spesies Nepenthes dua spesies hybrid alami yaitu: Nepenthes albomarginata, Nepenthes ampullaria, Nepenthes bicalcarata, Nepenthes gracilis, Nepenthes mirabilis, Nepenthes rafflesiana, Nepenthes xhookeriana (N.ampullaria x N.rafflesiana) dan Nepenthes xcantleyii (N.bicialcarata x N.gracilis). Pengukuran faktor lingkungan abiotic di habitat Nepenthes yaitu : rata-rata suhu udara 30,7°C -32,6°C, suhu tanah 29,7°C -30,6 °C, Kelembaban udara 71,8-88,5%, dan pH tanah 4,6-5,8.
Analisis Perbandingan Lembaga Asuransi Syariah dan Asuransi Konvensional : Sebuah Tinjauan Litelatur: Asuransi Syariah, Asuransi, Tabarru’, Sharing Of Risk, Hukum Islam Ilman Miftahul Fauzi; Iqbal Abdul Azis; Fahmi Nurfatwa; Muhammad Gesta Nugraha Fauzi; Joni; Raihani Fauziah
Al Yasini : Jurnal Keislaman, Sosial, hukum dan Pendidikan Vol 10 No 5 (2025)
Publisher : Konsorsium Dosen Sekolah Tinggi Agama Islam (STAI) Al-Yasini Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55102/alyasini.v10i5.6983

Abstract

The increasing demand for insurance products in Indonesia, especially among the Muslim majority, has prompted the need for an in-depth study of the differences between sharia insurance and conventional insurance. This study uses a qualitative method with a literature review approach, where data sources are obtained from academic literature, regulations, and relevant national journal articles. The analysis was conducted through content analysis to identify the fundamental similarities and differences in terms of legal basis, fund management mechanisms, fund ownership principles, and risk sharing systems. The results of the study show that sharia insurance is based on the Qur'an, Hadith, ijma, and qiyas, with the main principle of mutual assistance (ta'awun) and a risk-sharing mechanism through tabarru' funds that remain the collective property of the participants. Conversely, conventional insurance is rooted in Western positive law with the principle of transfer of risk, where the premiums paid become the full property of the company, while the investment profits are fully controlled by the insurer. In addition, conventional insurance practices have the potential to contain elements of gharar, maisir, and riba, which are not in accordance with Islamic law. The conclusion shows that sharia insurance is not merely a financial protection instrument, but also a form of social solidarity and justice that is more in line with the needs of the Muslim community in Indonesia.
The Education on Household Waste Bank Management into an Economic Product for Bataknese Mission Church Women Nainggolan, Elisabeth; Desma Erica Maryati M; Hommy Dorty Ellyany Sinaga; Joni
Outline Journal of Community Development Vol. 2 No. 1: July 2024
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/a1t0rf68

Abstract

An environmentally friendly lifestyle is currently difficult to implement, meanwhile the use of single use product is increasing among the public, which has resulted in an increase in waste ini the living environment especially household waste. This condition has caused the current waste problem to become a global problem. Waste banks provide a solution to overcome the increasing amount of waste which can damage the environment and what’more, if waste banks are run with good management, they have the potential to generate profits that will increase economic value and empower the community. However, the term waste bank is still not very popular among the public, especially among mothers who are members of the Bataknese Mission Church, so it is important to conduct socialization about waste bank to educate mothers can broaden their knowlegde about waste banks and have an understanding of how to manage waste into economic products which can later increase household income.
Analisis Konsep Akad Tijarah dalam Asuransi Syariah: Tinjauan Teoritis Firda Silvia, Vivi; Fadila Shalma, Naiya; Fazrinuriko, Rifda; Joni; Fauziah, Raihani
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 3 No. 2 (2025): November
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v3i2.5969

Abstract

Mudharabah merupakan salah satu akad yang penting dalam sistem keuangan syariah, yang didasarkan pada prinsip kerja sama dan pembagian keuntungan antara dua pihak, yaitu pemilik modal (shahibul maal) dan pengelola usaha (mudharib). Dalam akad ini, keuntungan yang diperoleh dari hasil usaha akan dibagi sesuai dengan nisbah atau proporsi yang telah ditentukan sejak awal.Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Sumber data dalam penelitian ini berasal dari data sekunder yang diperoleh melalui studi pustaka dan analisis dokumenbagi hasil merupakan sistem yang meliputi tata cara pembagian hasil usaha antara pemilik dana dan pengelola dana. Dalam hukum Islam, penerapan sistem bagi hasil harus berlandaskan prinsip At-Ta’awun, yaitu saling tolong-menolong dan bekerja sama demi kebaikan bersama di antara anggota masyarakat. Implementasi akad mudharabah dalam asuransi syariah memiliki tujuan untuk menciptakan sistem keuangan yang sejalan dengan prinsip-prinsip syariah Islam, yang menghindari unsur gharar (ketidakpastian), riba (bunga), dan maisir (spekulasi). Dalam konteks asuransi syariah, mudharabah berperan sebagai mekanisme pengelolaan dana peserta secara profesional dan transparan. Dana kontribusi peserta diinvestasikan ke dalam instrumen halal, dan hasilnya dibagi berdasarkan nisbah yang telah disepakati. Sistem ini tidak hanya memberikan manfaat finansial, tetapi juga memperkuat nilai solidaritas sosial melalui prinsip tabarru’ (tolong-menolong).
Co-Authors Abda Abda Abdhi Adiansyah Abdul Munif Abdul Rahman Adam Adinda Farhania Ma’rufa Adrian Santris Chaniago Aish Kinar Naqiya Akrim Mualif Alfatiri Aldiva Oriana Hermawan Ali Supriadi Alya Arini Putri Amar Nur Fadhil Anabilla Alma Widyaningtias Andini Oktavia Widayanti Anggia Dhafa Irvani Anitaliana Annaila Fauziah Annisa Nuraini Atya Zahra Rizqina Awaludin Azmia Siti Munasifah bayu saputra Bilqis, Laisla Chandra, Wenripin Cici Puspaningrum Cindy Septina Cindy Synthya Br Tarigan Darin Diffana Athifah Depi Amalia Depi Indriani Desma Erica Maryati M Dian Friantoro Diana Putri Utari Didik Gunawan Dila Maulidia Dimas Adi Sudibyo Dimas Ganjar Pinasti Dimas Muhamad Rizki Dina Ainul Latifah Dina Ramadhani Disuma, Anggara Dita Novitasari Dita Wuddatul Hisniah Duling, Jhonni Rentas Edi Wijaya Edward Keith Erwin Eva Dwi Suciati Fadhilaturrahmi Fadhilaturrahmi Fadila Shalma, Naiya Fahmi Nurfatwa Falha Himatul Aliyah Fariz Abdul Hammam Fauzan Adhipratama Arasyid Fauziah, Raihani Fazrinuriko, Rifda Firda Kharisma Firda Silvia, Vivi Firmansyah Frea Puspita Damayanti Ghozali, Mohamad Hadi, Cipto Harsono, Djiwo Hazki Ziadatur Rizki Hikmal Faturahman Hildan Fadlan Hilma Maudi Hommy Dorty Ellyany Sinaga Ilman Miftahul Fauzi Ilone Virginia Oktavian Indriyanto Iqbal Abdul Azis Iqbal Noor Irma Nursyapa’ah Irman Farhanul Haqiem Jackri Hendrik Jackri Hendrik Jia Ayu Maulida Justin Azmi Luthfi Kamilatuzaini Kanaya Audy Kania Meysachroh Prita Utamy Kaysa Hasnah Mumtaaza Khadijah Khairatun Nisa Latyf, Ahmad Rizky Lia Wardatul Umah lina marlina, lina Lu'liyatul Mutmainah Lucy Asiyani Lutfiah Alya Nurafifah M. Syahrul Rizal Meisya Lutfiah Melvi Lesmana Alim Miharja, Satriya Mohamad Riziq Iskandar Mohammad Fauziddin Mozza Naiara Fawwaz Muhamad Renaldi Muhammad Gesta Nugraha Fauzi Muhammad Hasbi Ashiddiq Muhammad Hilal Nurazizi Saleh Mutia Latifa Mutiara Ramadhani Nabila Bilqis Mutiara Nadia Yuliani Nafisatun Nikmah Nagita Aulia Naila Alya Naila Alya Fadila Hilman Nainggolan, Elisabeth Nasrulloh, Agus Ahmad Neng Dewi Lailatus S Neng Dewi Salmah Lailatus Syarifah Neng Nazma Aulia Novi Andriani Novika Sakstiwi Nuraini, Irma Nurhasanah, Elis Nuri Kamilatul Pikriyyah Nurmalina Peni Apriliani Pricilia Siska Sintia Muhtari Putri Amelia Sofjan Putri Hana Pebriana Putri Utari, Diana Putri, Yoke Shintia Raafi Al Afghany Rafiqi, Yusep Rahma Amalia Fadilah Rahma Ayuningtyas Anjani Raihani Fauziah Rani, Afriza Rahma Resti Nuraeni Ricco Herdiyan Saputra Rida Nugraha Rifa Khoerunnisa Rifda Fazrinuriko Rimarsha Desta Anjani Rinda Nur Agisna Risma Hermawati Apriliani Risma Syan Sabilla Rivana Rizal, Muhammad Syahrul Rizki Ananda Rizki Ananda Robin Rubby Aziz Zaura Kamal Rusdial Marta Saidah, Susi Salsa Bila Rahmawati Salsabila Putri Virgiawan Salwa Salsabila Sarniati Seli Saelurrohmah Syam Sevani Desiana Putri Shinta Puja Rinjani Sidiq Pamungkas Sindi Setiawati Sri Mardiyani Suryana Suci Noor Aisah Suhendro, Budi Susi Saidah Syafi, Moh Syahrul Rizal, Muhammad Syamswisna , Syera Saffina Syera Syaffina Tan Kwang En Tanjung, Atikah Tasrifinoor Tasyqi Masyumatul Aulia Tiara Kania Tsuwaebatul Aslamiyah Via Nurpadilah Wahdan Saiduroihan Wartoyo Wartoyo Wawan Indrawan Wijanarko, Andrian Gandi Yanti Yandri Kusuma Yenni Carolina Yusnira Zenita Alvina Fauziah Zulhendri